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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Missouri Housing Affordability Index | MonitorBankRates (MBR-HAI)

Missouri Housing Affordability Index

Missouri’s MBR Housing Affordability Index score is 115.7 (More Affordable Than Avg) as of October 30, 2026, ranking 11th most affordable of 51 states, compared with a national score of 97.4. On a median-priced $230,300 home in Missouri with 20% down, the current 7.26% 30-year fixed rate means a monthly principal and interest payment of about $1,258, or 21% of the state’s $70,702 median household income.

Daily MBR Housing Affordability Index (MBR-HAI) score for Missouri compared to the national average. Updated every night using live mortgage rates and U.S. Census Bureau income and home value data. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Missouri MBR-HAI 115.7 More Affordable Than Avg

National 97.4 Near National Average

Rank 11 of 51 1 = most affordable

Avg 30-yr rate 7.26% Missouri lenders

Median home value $230,300 U.S. Census Bureau

Median income $70,702 U.S. Census Bureau

National 97.4 Missouri 115.7

Less affordable100 = national baselineMore affordable

Missouri is 18.3 points above the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View Missouri Mortgage Rates

Jump to: State Map Missouri Rank Missouri Cities 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 2026, with Missouri outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.

Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.

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Missouri Affordability Ranking

#11 of 51 states · October 30, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 40 of 51 states (78%)

Less affordable than: 10 of 51 states (20%)

MBR-HAI Score: 115.7 vs. national 97.4 (+18.3 points)

Nearby States

↑ 8 more affordable states above

#9 KS 120.0

#10 OK 117.4

#11 Missouri ◀ 115.7

#12 ND 114.2

#13 SC 112.4

↓ 38 less affordable states below

Top 5 Most Affordable

#1 WV 145.2

#2 AR 135.7

#3 AL 134.1

#4 MS 131.1

#5 IA 126.4

Bottom 5 Least Affordable

#47 OR 78.0

#48 DC 77.6

#49 MA 76.0

#50 HI 69.3

#51 CA 67.5

View full 51-state rankings →

Missouri Cities Ranked by Housing Affordability

MBR-HAI scores for 822 Missouri cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the Missouri average 30-year rate. Select a city for its full breakdown.

#1 Rosendale 536.6 #2 Blythedale 479.8 #3 Darlington 435.4 #4 Rush Hill 393.7 #5 Excelsior Estates 375.5 #6 Pascola 372.8 #7 Iron Mountain Lake 351.1 #8 Passaic 349.6 #9 Tallapoosa 342.7 #10 Glenwood 342.4 #11 Parma 338.5 #12 Canalou 338.2 #13 Forest City 334.9 #14 Bronaugh 334.1 #15 Bosworth 325.3 #16 Mount Moriah 319.1 #17 Caledonia 312.5 #18 Rutledge 311.7 #19 Neelyville 308.1 #20 Henrietta 306.8 #21 Armstrong 303.5 #22 Jerico Springs 302.9 #23 Whiteside 298.0 #24 Jameson 296.5 #25 Clarkton 292.7 #26 Linneus 292.6 #27 Bethel 291.0 #28 Luray 290.5 #29 Ferrelview 286.7 #30 Mokane 284.6 #31 Powersville 284.3 #32 Rea 283.2 #33 Foley 282.6 #34 Corder 281.2 #35 Novinger 279.7 #36 Mayview 279.3 #37 Des Arc 277.7 #38 Liberal 275.3 #39 Kingsville 273.2 #40 New Cambria 268.0 #41 Neck City 267.6 #42 West Alton 266.5 #43 Lupus 266.0 #44 Amazonia 265.6 #45 Frankford 264.7 #46 Arbyrd 264.3 #47 Deering 262.0 #48 Centerview 261.6 #49 Greentop 261.6 #50 Mill Spring 259.5 #51 Summersville 258.6 #52 Laclede 256.9 #53 Arcola 255.3 #54 Queen City 254.5 #55 Skidmore 253.8 #56 Hunnewell 253.7 #57 Elmo 252.0 #58 Millard 250.7 #59 Rushville 249.4 #60 Gilman City 249.2 #61 Hurdland 248.8 #62 Urich 248.6 #63 Higbee 246.7 #64 Collins 246.1 #65 Gravois Mills 245.1 #66 De Kalb 243.6 #67 Vanduser 241.1 #68 Doe Run 240.7 #69 Brimson 240.7 #70 Schell City 240.4 #71 Blackburn 238.8 #72 Green Castle 238.0 #73 Kidder 237.7 #74 Center 237.0 #75 Arkoe 235.9 #76 Pocahontas 235.7 #77 Ravenwood 235.6 #78 Spickard 234.9 #79 Atlanta 234.8 #80 Velda Village Hills 234.1 #81 Fairview 234.1 #82 Meadville 233.5 #83 Leonard 233.1 #84 Country Club Hills 232.6 #85 Wardell 232.6 #86 Altamont 232.4 #87 Leadwood 232.0 #88 Birch Tree 229.8 #89 Lock Springs 229.5 #90 Monticello 229.5 #91 Utica 229.3 #92 Farber 228.8 #93 Newtonia 228.4 #94 Sheridan 227.9 #95 Grant City 226.6 #96 Holliday 226.4 #97 Bogard 226.3 #98 Camden 225.2 #99 Risco 224.7 #100 Princeton 224.6 #101 Amsterdam 224.4 #102 Middletown 223.3 #103 Berger 223.2 #104 Bolckow 223.1 #105 Shoal Creek Drive 223.0 #106 Brashear 222.9 #107 Elmer 221.8 #108 Gideon 221.7 #109 Purdy 221.4 #110 Dellwood 221.0 #111 La Russell 220.0 #112 Moundville 218.7 #113 Marthasville 217.9 #114 Mineral Point 217.8 #115 Hornersville 216.6 #116 Purdin 216.0 #117 Wellsville 215.4 #118 Browning 215.2 #119 Williamsville 214.8 #120 Cooter 214.8 #121 Mooresville 214.4 #122 Westboro 213.7 #123 Wyaconda 212.9 #124 Campbell 212.3 #125 Grandin 212.2 #126 Bellflower 212.1 #127 Milo 212.0 #128 La Grange 211.6 #129 Emma 211.5 #130 Bertrand 211.4 #131 Craig 211.2 #132 Hardin 211.1 #133 Dadeville 210.5 #134 Norborne 209.6 #135 Zalma 209.6 #136 Salisbury 209.2 #137 La Monte 208.7 #138 Eolia 208.5 #139 Golden City 207.8 #140 Diggins 207.4 #141 Cowgill 206.7 #142 Bucklin 206.7 #143 Roscoe 206.3 #144 Louisburg 206.1 #145 Marceline 205.6 #146 Morley 205.4 #147 Ludlow 204.9 #148 Holcomb 204.9 #149 Sedgewickville 204.7 #150 Winston 204.5 #151 Novelty 204.3 #152 Lilbourn 203.4 #153 Chamois 203.2 #154 Hillsdale 203.1 #155 Brooklyn Heights 203.1 #156 Hume 202.4 #157 Laddonia 201.7 #158 Lanagan 201.7 #159 Bloomfield 201.5 #160 Shelbyville 201.5 #161 Velda City 201.4 #162 Rothville 201.4 #163 Puxico 201.4 #164 Marston 201.0 #165 Hale 200.6 #166 Oregon 200.5 #167 Vandalia 200.0 #168 Alexandria 199.9 #169 Tina 199.7 #170 Bunker 199.2 #171 Smithton 199.1 #172 Benton City 198.9 #173 Rich Hill 198.9 #174 Fairfax 198.7 #175 Montrose 198.7 #176 Mercer 198.3 #177 Tarkio 198.1 #178 Alba 198.1 #179 Union Star 197.7 #180 Clyde 197.5 #181 Milan 197.4 #182 New London 197.2 #183 Jamesport 197.0 #184 Camden Point 196.2 #185 Malta Bend 196.2 #186 Sheldon 196.1 #187 Hopkins 195.9 #188 Morehouse 195.5 #189 Merwin 195.2 #190 Richards 195.2 #191 Flordell Hills 194.6 #192 Diehlstadt 194.3 #193 Pilot Grove 194.0 #194 Brookfield 193.9 #195 Ellington 193.8 #196 Clarksdale 193.8 #197 Holland 193.7 #198 Cardwell 193.4 #199 Rocky Comfort 193.3 #200 Barnett 192.6 #201 Parnell 192.5 #202 Lewistown 192.2 #203 Braymer 191.8 #204 Ewing 191.7 #205 Piedmont 191.7 #206 Edina 191.6 #207 Old Appleton 191.4 #208 Cainsville 191.0 #209 Hughesville 191.0 #210 Mindenmines 191.0 #211 Conception Junction 190.9 #212 Leasburg 190.9 #213 Lowry City 190.1 #214 Pickering 190.1 #215 Oak Ridge 189.6 #216 Lewis and Clark Village 189.5 #217 Dutchtown 189.4 #218 Gasconade 189.3 #219 Gilliam 189.1 #220 Sibley 189.0 #221 Humansville 188.8 #222 Washburn 188.3 #223 Beverly Hills 188.3 #224 Hanley Hills 188.1 #225 Aldrich 188.0 #226 Greenville 187.7 #227 Knox City 187.7 #228 Madison 187.5 #229 Crocker 187.4 #230 Carterville 187.4 #231 Edgar Springs 187.3 #232 Stanberry 187.3 #233 Downing 186.8 #234 Orrick 186.8 #235 Brunswick 186.6 #236 Gunn City 186.0 #237 Miramiguoa Park 185.4 #238 Essex 185.0 #239 Unionville 184.9 #240 Benton 184.2 #241 Amoret 184.1 #242 Burlington Junction 184.1 #243 East Prairie 183.8 #244 Riverview 183.2 #245 Seligman 183.1 #246 Louisiana 183.0 #247 Harrisburg 182.9 #248 Sycamore Hills 182.8 #249 Shelbina 182.5 #250 Fortuna 182.3 #251 Latham 182.3 #252 Stewartsville 182.0 #253 Cosby 181.5 #254 Miller 180.5 #255 Rhineland 180.0 #256 Blackwater 180.0 #257 Urbana 179.6 #258 Bunceton 179.2 #259 Curryville 179.1 #260 Bernie 179.0 #261 Noel 177.5 #262 Centerville 177.1 #263 Coffey 176.4 #264 Stotts City 176.2 #265 Perry 175.9 #266 Seymour 175.8 #267 Thayer 175.4 #268 Osborn 175.2 #269 Calhoun 175.2 #270 Mountain Grove 175.1 #271 Everton 174.9 #272 Huntsville 174.9 #273 Meta 174.3 #274 Cuba 174.2 #275 Allenville 174.1 #276 Wyatt 174.0 #277 Stark City 173.8 #278 Barnard 173.5 #279 New Bloomfield 173.4 #280 Ridgeway 173.3 #281 Miner 173.3 #282 Chula 173.1 #283 Sturgeon 173.1 #284 Cairo 172.6 #285 Clarksville 172.5 #286 New Florence 172.2 #287 Senath 172.1 #288 Exeter 171.6 #289 Diamond 171.0 #290 Tindall 170.9 #291 Graham 170.7 #292 Philadelphia 170.7 #293 Eagleville 170.7 #294 Marquand 169.9 #295 Butterfield 169.9 #296 Holts Summit 169.7 #297 Canton 169.7 #298 Uplands Park 169.7 #299 Greenfield 169.1 #300 Oronogo 168.7 #301 Callao 168.5 #302 Weatherby 168.2 #303 Appleton City 168.1 #304 McCord Bend 168.0 #305 Kennett 167.8 #306 Fidelity 167.7 #307 Granby 167.6 #308 Lake Lafayette 167.3 #309 Kahoka 167.2 #310 Clarence 167.1 #311 Green Ridge 167.0 #312 Creighton 166.9 #313 Sweet Springs 166.9 #314 Advance 166.6 #315 Anderson 166.5 #316 Platte Woods 166.5 #317 Duenweg 166.4 #318 Farley 166.3 #319 Moline Acres 166.3 #320 Memphis 166.3 #321 Oakwood Park 166.2 #322 Bloomsdale 166.0 #323 New Hampton 165.6 #324 Oran 165.5 #325 Iatan 165.2 #326 Wellington 165.2 #327 Maitland 165.1 #328 Northwoods 165.0 #329 Vandiver 165.0 #330 La Plata 164.8 #331 Ellsinore 164.7 #332 Goodman 164.7 #333 Turney 164.4 #334 Leeton 164.3 #335 Clearmont 164.2 #336 Bevier 164.2 #337 Kingston 164.1 #338 Koshkonong 164.1 #339 Carrollton 163.8 #340 Trenton 163.7 #341 Keytesville 163.6 #342 Laredo 163.5 #343 Taneyville 163.4 #344 Slater 163.3 #345 Millersville 163.2 #346 Marionville 163.1 #347 Scott City 163.1 #348 Bonne Terre 162.7 #349 Bakersfield 162.5 #350 Winona 162.5 #351 Sarcoxie 162.3 #352 Doolittle 162.1 #353 Stoutland 161.8 #354 Windsor 161.8 #355 Matthews 161.6 #356 Paris 161.3 #357 Homestead 161.2 #358 Higginsville 161.2 #359 Steele 160.9 #360 Pasadena Park 160.9 #361 Merriam Woods 160.2 #362 Vinita Park 160.0 #363 Pierce City 159.9 #364 Clark 159.6 #365 Verona 159.5 #366 Prairie Home 159.4 #367 Richland 159.3 #368 Albany 159.3 #369 Malden 159.3 #370 Silex 158.9 #371 Eminence 158.9 #372 Spokane 158.6 #373 Easton 158.5 #374 Galena 158.5 #375 Jonesburg 158.4 #376 Jennings 158.2 #377 Viburnum 158.0 #378 Bowling Green 157.9 #379 Potosi 157.5 #380 Waverly 157.4 #381 Fordland 157.3 #382 Pilot Knob 157.2 #383 Dover 157.1 #384 Freistatt 156.9 #385 Mound City 156.9 #386 Raymondville 156.6 #387 High Hill 156.6 #388 Kissee Mills 156.6 #389 Berkeley 156.5 #390 Clarksburg 156.5 #391 Naylor 156.4 #392 Lockwood 155.9 #393 Cassville 155.8 #394 Chillicothe 155.8 #395 Preston 155.7 #396 Jasper 155.6 #397 New Franklin 155.6 #398 Ironton 155.5 #399 Edmundson 155.4 #400 Freeburg 155.2 #401 Pattonsburg 155.2 #402 Conway 155.1 #403 Waco 155.0 #404 Lincoln 154.9 #405 New Madrid 154.7 #406 Cobalt 154.6 #407 Desloge 154.6 #408 Niangua 154.5 #409 Kinloch 154.5 #410 La Belle 154.4 #411 Wheaton 154.1 #412 Marble Hill 154.0 #413 Parkdale 153.9 #414 Fairdealing 153.9 #415 Kingdom City 153.8 #416 Cedar Hill Lakes 153.8 #417 Licking 153.7 #418 Wentworth 153.5 #419 Ash Grove 153.5 #420 Leawood 153.4 #421 Glasgow 152.5 #422 Morrisville 152.1 #423 Fair Play 152.1 #424 Delta 152.0 #425 Alma 151.4 #426 Sugar Creek 151.2 #427 Crystal Lakes 151.1 #428 Wheeling 151.1 #429 Dawn 150.9 #430 Odessa 150.8 #431 Holden 150.5 #432 Lake Tekakwitha 150.5 #433 Taos 150.5 #434 Chaffee 150.4 #435 Pomona 150.3 #436 Bates City 150.1 #437 Bel-Nor 149.9 #438 Macon 149.8 #439 Cool Valley 149.7 #440 Belle 149.2 #441 Chain of Rocks 149.2 #442 Windsor Place 149.1 #443 Hamilton 148.9 #444 Wilbur Park 148.8 #445 Houston Lake 148.8 #446 Salem 148.7 #447 Wardsville 148.5 #448 Mendon 148.5 #449 Jamestown 148.3 #450 Birmingham 148.3 #451 West Sullivan 148.1 #452 Villa Ridge 148.1 #453 Aurora 148.0 #454 Walnut Grove 147.8 #455 West Line 147.6 #456 Calverton Park 147.4 #457 Greenwood 147.2 #458 Northmoor 147.2 #459 Fredericktown 147.1 #460 Hayti Heights 147.1 #461 Tipton 147.0 #462 Agency 146.9 #463 Hannibal 146.9 #464 Altenburg 146.8 #465 Norwood Court 146.5 #466 Gerald 146.5 #467 Ava 145.9 #468 Savannah 145.9 #469 California 145.8 #470 Pleasant Hope 145.5 #471 Randolph 145.4 #472 Bland 144.9 #473 Freeman 144.9 #474 Bellefontaine Neighbors 144.8 #475 Whitewater 144.7 #476 Old Monroe 144.0 #477 Lohman 144.0 #478 Lancaster 143.8 #479 Bismarck 143.7 #480 Richmond 143.7 #481 Bethany 143.6 #482 Overland 143.6 #483 Dexter 143.3 #484 Country Club 143.2 #485 Crystal City 143.0 #486 Alton 142.5 #487 Mexico 142.4 #488 Argyle 141.9 #489 Willow Springs 141.9 #490 Park Hills 141.6 #491 Palmyra 141.5 #492 Redings Mill 141.4 #493 Winigan 141.0 #494 Riverview Estates 140.9 #495 Levasy 140.7 #496 Webb City 140.7 #497 Frohna 140.6 #498 Green City 140.6 #499 Osceola 140.5 #500 Rensselaer 140.5 #501 South Gorin 140.4 #502 High Ridge 140.0 #503 Buckner 139.9 #504 Stover 139.8 #505 Wood Heights 139.8 #506 Seneca 139.8 #507 Clever 139.7 #508 Iberia 139.5 #509 Concordia 139.3 #510 Versailles 139.1 #511 Barnhart 139.0 #512 Rockaway Beach 138.9 #513 Sullivan 138.9 #514 Bourbon 138.8 #515 Doniphan 138.3 #516 Carl Junction 138.1 #517 Poplar Bluff 138.0 #518 Pendleton 138.0 #519 Owensville 138.0 #520 Houston 137.8 #521 Centralia 137.7 #522 Neosho 137.7 #523 Gallatin 137.5 #524 Adrian 137.5 #525 Dixon 137.5 #526 Mansfield 137.2 #527 Glenaire 137.0 #528 Otterville 137.0 #529 Fleming 136.9 #530 Steelville 136.6 #531 Charlack 136.4 #532 Herculaneum 136.4 #533 Willard 136.4 #534 Missouri City 136.3 #535 Greendale 136.0 #536 Lamar 136.0 #537 Mountain View 135.8 #538 Woodson Terrace 135.6 #539 Pagedale 135.5 #540 Arrow Point 135.4 #541 Winchester 135.4 #542 Fayette 135.3 #543 Sikeston 135.2 #544 Auxvasse 135.1 #545 Westphalia 135.0 #546 Rock Port 135.0 #547 Pleasant Valley 134.8 #548 Florissant 134.6 #549 Centertown 134.4 #550 Nevada 134.3 #551 Jane 134.2 #552 Conception 134.2 #553 Galt 134.0 #554 Arcadia 134.0 #555 Sedalia 133.7 #556 Elsberry 133.7 #557 King City 133.6 #558 Oakview 133.6 #559 Scotsdale 133.6 #560 Marshfield 133.5 #561 Winfield 133.4 #562 Hawk Point 133.2 #563 Rosebud 133.0 #564 Garden City 132.7 #565 Saginaw 132.7 #566 Ferguson 132.6 #567 Hollister 132.6 #568 Imperial 132.4 #569 Marshall 132.2 #570 Deepwater 132.0 #571 Union 131.7 #572 Newburg 131.5 #573 Gordonville 131.3 #574 Napoleon 131.3 #575 Excelsior Springs 131.2 #576 Des Peres 131.1 #577 Archie 130.9 #578 Gower 130.8 #579 Fremont Hills 130.8 #580 Reeds Spring 130.8 #581 Strafford 130.7 #582 Glen Echo Park 130.6 #583 Breckenridge Hills 130.6 #584 Gray Summit 130.5 #585 Montgomery City 130.5 #586 Holt 130.3 #587 Monroe City 130.2 #588 Lathrop 129.9 #589 Olympian Village 129.9 #590 Kirksville 129.8 #591 Edgerton 129.3 #592 Buffalo 129.2 #593 Battlefield 129.1 #594 Troy 129.0 #595 Pierpont 128.9 #596 Camdenton 128.7 #597 Bel-Ridge 128.6 #598 Tuscumbia 128.5 #599 Lexington 128.4 #600 Hallsville 128.1 #601 Bellerive Acres 128.1 #602 Gainesville 127.7 #603 Penermon 127.7 #604 Fair Grove 127.6 #605 Sparta 127.4 #606 Ashland 127.3 #607 Arnold 127.2 #608 Twin Oaks 127.1 #609 East Lynne 126.8 #610 Portage Des Sioux 126.8 #611 Portageville 126.7 #612 De Soto 126.6 #613 Eldon 126.2 #614 Maryland Heights 126.2 #615 Mount Vernon 126.1 #616 Bella Villa 126.0 #617 Raytown 126.0 #618 Duquesne 125.8 #619 Irondale 125.8 #620 Tebbetts 125.7 #621 Charleston 125.6 #622 Carthage 125.4 #623 Polo 125.2 #624 Festus 125.1 #625 Cole Camp 124.9 #626 Norwood 124.8 #627 Warsaw 124.7 #628 Moscow Mills 124.7 #629 Lawson 124.6 #630 Washington 124.6 #631 Lone Jack 124.5 #632 Cameron 124.5 #633 Fulton 124.3 #634 Maysville 124.2 #635 Laurie 124.1 #636 Drexel 123.9 #637 Jackson 123.9 #638 Trimble 123.9 #639 West Plains 123.8 #640 Branson West 123.7 #641 Rogersville 123.7 #642 Kelso 123.3 #643 Highlandville 123.2 #644 Rocheport 123.2 #645 Monett 123.2 #646 Black Jack 123.1 #647 Pine Lawn 122.9 #648 Knob Noster 122.8 #649 Clinton 122.7 #650 New Haven 122.6 #651 Nixa 122.6 #652 Cleveland 122.5 #653 Hartsburg 122.5 #654 Weldon Spring Heights 122.2 #655 Hermann 122.2 #656 Lake Lotawana 122.1 #657 Republic 121.9 #658 Boonville 121.8 #659 Hartville 121.4 #660 Glendale 121.4 #661 Joplin 121.3 #662 Kearney 121.1 #663 Loma Linda 121.0 #664 Sunrise Beach 121.0 #665 Hillsboro 120.8 #666 Pleasant Hill 120.5 #667 Smithville 120.2 #668 Wright City 120.0 #669 Jefferson City 120.0 #670 Cabool 119.9 #671 Tracy 119.9 #672 Stockton 119.8 #673 Belton 119.8 #674 Crestwood 119.6 #675 Oak Grove 119.3 #676 Gladstone 119.3 #677 Crane 119.2 #678 Lebanon 118.9 #679 El Dorado Springs 118.8 #680 Russellville 118.8 #681 Independence 118.8 #682 Dudley 118.7 #683 Allendale 118.6 #684 Green Park 118.2 #685 Weston 118.0 #686 Warson Woods 117.9 #687 Lake Waukomis 117.9 #688 Grand Pass 117.9 #689 Kimmswick 117.9 #690 Maryville 117.9 #691 Brentwood 117.8 #692 Vienna 117.4 #693 Peculiar 117.3 #694 Warrenton 117.2 #695 Harrisonville 117.2 #696 Platte City 117.0 #697 Reeds 116.8 #698 Indian Point 116.6 #699 Moberly 116.6 #700 Dardenne Prairie 116.5 #701 Rock Hill 116.4 #702 Byrnes Mill 116.3 #703 Blue Springs 116.2 #704 Van Buren 116.2 #705 Ballwin 115.9 #706 Carytown 115.8 #707 Leadington 115.5 #708 Wentzville 115.3 #709 Cedar Hill 115.2 #710 Josephville 115.0 #711 Flemington 114.9 #712 Avondale 114.9 #713 Weldon Spring 114.7 #714 Hayti 114.6 #715 Cape Girardeau 114.5 #716 Waynesville 114.4 #717 Oakwood 114.1 #718 Perryville 113.9 #719 Plattsburg 113.9 #720 Airport Drive 113.8 #721 Caruthersville 113.8 #722 Grantwood Village 113.7 #723 Innsbrook 113.6 #724 Annapolis 113.6 #725 St. Robert 113.4 #726 Augusta 113.0 #727 Springfield 112.5 #728 Oak Grove Village 112.4 #729 Hazelwood 112.3 #730 Farmington 112.3 #731 Miami 112.2 #732 Billings 111.9 #733 Ozark 111.8 #734 Ionia 111.7 #735 Wildwood 111.6 #736 Bolivar 111.4 #737 Cottleville 111.3 #738 Grain Valley 111.3 #739 Rolla 111.2 #740 Frontenac 111.2 #741 Normandy 111.1 #742 Raymore 111.1 #743 Fenton 111.0 #744 Emerald Beach 110.9 #745 Ridgely 110.4 #746 Linn 109.8 #747 Theodosia 109.6 #748 Forsyth 109.4 #749 Renick 109.2 #750 Pasadena Hills 109.2 #751 Truesdale 109.1 #752 Lake Ozark 109.0 #753 Liberty 108.8 #754 Ellisville 108.8 #755 Shrewsbury 108.7 #756 Bridgeton 108.7 #757 Hermitage 108.6 #758 Golden 108.5 #759 Kirbyville 108.2 #760 Manchester 108.0 #761 Claycomo 107.9 #762 Butler 107.8 #763 Lake Tapawingo 107.6 #764 Kansas City 106.4 #765 Lake Annette 106.3 #766 Lee's Summit 105.8 #767 Village of Four Seasons 105.7 #768 Warrensburg 105.2 #769 Weatherby Lake 105.1 #770 Chesterfield 105.0 #771 Linn Creek 105.0 #772 Prathersville 104.6 #773 Webster Groves 104.4 #774 Parkville 103.7 #775 Pineville 103.7 #776 Grandview 103.7 #777 Blue Eye 103.3 #778 Grand Falls Plaza 103.2 #779 Crystal Lake Park 103.1 #780 Dearborn 102.4 #781 Maplewood 102.2 #782 Umber View Heights 101.7 #783 Marlborough 101.4 #784 Clarkson Valley 101.4 #785 Oakland 101.2 #786 New Melle 101.1 #787 Peaceful Village 100.7 #788 Eureka 100.4 #789 Foristell 100.2 #790 Kirkwood 100.2 #791 Sunset Hills 100.1 #792 Big Lake 99.8 #793 South Greenfield 98.8 #794 Kimberling City 98.4 #795 University City 98.3 #796 Chain-O-Lakes 97.7 #797 Pacific 97.6 #798 Olivette 97.3 #799 Richmond Heights 97.2 #800 Coney Island 96.7 #801 Valley Park 96.3 #802 Columbia 96.3 #803 Town and Country 95.8 #804 Pevely 95.8 #805 Lakeshire 95.4 #806 Parkway 95.2 #807 Branson 94.5 #808 Shell Knob 94.4 #809 North Kansas City 94.4 #810 Lake Winnebago 92.9 #811 Howardville 92.8 #812 Shoal Creek Estates 89.3 #813 Elmira 88.6 #814 Osage Beach 87.7 #815 Loch Lloyd 87.4 #816 Creve Coeur 87.2 #817 Westwood 86.1 #818 Saddlebrooke 78.5 #819 Wheatland 72.7 #820 Arrow Rock 72.0 #821 Clayton 70.2 #822 Riverside 68.5

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Missouri MBR-HAI · 90-Day Trend

Missouri

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors · Missouri

$230,300

Median Home Value

U.S. median: varies by state

$70,702

Median Household Income

U.S. median: $80,734

3.3x

Price-to-Income Ratio

Home value ÷ income

$1,087/mo

Median Owner Costs

18.4% of income annually

$1,844/yr

Median Property Tax

0.80% effective rate

69.1%

Homeownership Rate

U.S. average: 65.7%

21.8%

Owner Cost Burden

% spending 30%+ of income on housing

7.260%

30-yr Mortgage Rate

State average • October 30, 2026

Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.

How Missouri Ranks Among All States

#11

of 51 states

Least Affordable Most Affordable

Missouri is more affordable than 80% of U.S. states, More Affordable Than Avg

115.7

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 7 states →
8	Kentucky	120.8	Highly Affordable
9	Kansas	120.0	Highly Affordable
10	Oklahoma	117.4	More Affordable Than Avg
11	Missouri You are here	115.7	More Affordable Than Avg
12	North Dakota	114.2	More Affordable Than Avg
13	South Carolina	112.4	More Affordable Than Avg
14	Ohio	112.1	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near Missouri · October 30, 2026 • View complete national rankings →

Download Missouri HAI Data

Missouri History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-10-30,MO,115.7,97.4,7.260                

Download MO History (CSV)

All 51 States (CSV)

Compare Missouri to every state

Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.

All States (CSV)

Cite the Missouri MBR-HAI

Editorial / press citation

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Missouri score: 115.7 (More Affordable Than Avg), ranked #11 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”

APA 7th edition (academic)

Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: Missouri [Data set]. https://www.monitorbankrates.com/housing-affordability-index/missouri/

Press & Citation Resources · Missouri

Ready-to-publish sentences using today's Missouri data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.

Ready-to-Publish Sentences

Each sentence updates daily with the live Missouri score. Free for editorial use with attribution to MonitorBankRates.

News Lead · AP-style, factual

In Missouri, the MonitorBankRates (MBR) Housing Affordability Index stood at 115.7 on October 30, 2026, ranking #11 of 51 U.S. states for homeownership affordability and indicating more affordable than avg conditions relative to the national baseline. The state-level reading combines Missouri's 30-year mortgage rate average of 7.260% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“Missouri's MonitorBankRates (MBR) Housing Affordability Index score of 115.7 places it #11 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in Missouri is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.260%, and the index outperforms the national average.”

Brian McKay, MonitorBankRates

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Housing affordability in Missouri is currently sitting at 115.7 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #11 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Missouri's 30-year mortgage rate of 7.26% reflects more affordable than avg conditions for local buyers. The state outperforms the national average as a whole.

Mortgage Broker Email Template

Pre-written client update for Missouri homebuyers. Personalize the bracketed fields and send.

SubjectHousing affordability snapshot for Missouri: what it means for your search

Hi [Client Name], Wanted to share a quick affordability snapshot for Missouri from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. Missouri's current reading: 115.7 (More Affordable Than Avg), rank #11 of 51 states National reading: 97.430-year mortgage rate average in Missouri: 7.260% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. Missouri currently outperforms the national average. For full state context (including the 90-day trend, key affordability factors, and how Missouri compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/missouri/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

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Explore Further

National MBR-HAI Rankings

See how Missouri ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Missouri Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Missouri.